Master Your Money,Build Your Future
The smart, AI-powered finance app that helps you track expenses, crush budgets, and achieve financial freedom.
Progressive Web App
Install from any browser
iOS & Android
Native app experience
Works Offline
Access anytime, anywhere
Everything You Need to Take Control
From basic tracking to AI-powered insights, MyPennyBook gives you the tools to master your finances.
Smart Transaction Tracking
Log every income and expense effortlessly. Get real-time cash flow visibility with automatic categorization.
Intelligent Budgeting
Set flexible budgets with AI-powered recommendations. Stay on track with smart alerts and insights.
Subscription Manager
Track all recurring payments automatically. Never miss a bill or overpay for forgotten subscriptions.
Visual Analytics
Beautiful interactive charts reveal spending patterns. Make data-driven financial decisions.
AI Financial Advisor
Get personalized recommendations powered by AI. Optimize budgets and reach goals faster.
Group Expenses & Settle Up
Split bills and track shared expenses with friends and family. Settle up with a single tap.
Credit Card Rewards
Maximize cashback and points with smart card recommendations for every purchase.
Event Planning
Organize events with budgets, guest lists, and expense tracking all in one place.
Personal Tracker
Track habits, health, maintenance, life events, notes, and addresses all in one comprehensive system.
Financial Wellness Score
Get your personalized financial health score with actionable insights to improve your financial well-being.
Secure Vault
Store sensitive documents, passwords, and credit card information with bank-grade encryption.
Password Manager
Securely store and manage all your passwords in one encrypted vault with easy access.
Cash Flow Analysis
Track income vs expenses with detailed cash flow reports and forecasting tools.
Investment Tracking
Monitor your investments, portfolio performance, and track returns over time.
Monthly Reports
Get comprehensive monthly financial reports with PDF exports and email delivery.
Loan Calculator
Calculate loan payments, amortization schedules, and plan your debt payoff strategy.
Bank Account Linking
Automatically sync transactions from your bank accounts using secure Plaid integration.
Import & Export
Import transactions from CSV or export all your data for backup and analysis.
Rewards Center
Optimize credit card usage to maximize rewards, cashback, and points on every purchase.
Customization
Personalize your experience with themes, fonts, colors, and layout preferences.
Built for Peace of Mind
We prioritize your security, privacy, and success above all else.
Bank-Grade Security
256-bit encryption protects your data. Your financial information stays private and secure.
Access Anywhere
Sync across all devices seamlessly. Your finances are always at your fingertips.
Lightning Fast
Instant insights and real-time updates. No waiting, no lag, just results.
AI-Powered
Smart recommendations that learn from your habits to help you save more.
Choose Your Path
Start free, upgrade when you're ready. No hidden fees, cancel anytime.
Free
Perfect for getting started with personal finance.
Premium
Unlock the full power of AI-driven finance.